Exact HKID-first lookup
Staff search by HKID, name, loan number, or mobile. Results group by borrower identity — one row per person, not per loan — with active and past loan counts across companies.
Platform package 02
Management Portal
Global search, Customer 360 profiles, cross-company exposure, team RBAC, bilingual UI, and audit — the lender operating layer for origination and servicing.
Overview
One operating view for every borrower across your lending group.
The Management Portal is the staff system at the center of Covenant Desk. It consolidates borrower records from connected source systems into a company-owned database, then exposes that data through search, dashboard views, and deep Customer 360 profiles. Credit, operations, and management teams get a single place to find borrowers, review cross-company exposure, and act on repayment signals — without switching between five separate loan systems.
Role-based access controls mirror real lender org structures: admins see the full group, managers and staff are scoped to their company with controlled cross-company visibility. Every sensitive lookup is audit-logged. The portal is bilingual (English and Traditional Chinese) and designed for daily operational use, not as a public-facing website.
Customer 360 view
Each profile merges application data, partakers, credit reference, DSR, loan history, repayment history, and linked notices into one review surface.
RBAC and audit
Admin, manager, and staff roles with module-level permissions. Cross-company views are scoped and logged. Phone numbers are masked across the system.
Capabilities
What the Management Portal puts in front of your team.
Origination review, cross-company exposure, and repayment context — unified in one permission-scoped operating layer.
Global search
Combined search box on the dashboard accepts HKID, English or Chinese name, application number, loan number, and mobile. Results deduplicate by borrower identity across all connected companies.
Consolidated dashboard
Repayment notice summary with overdue and upcoming counts, amounts, longest-overdue, and highest-value flags. Company filter pills let staff drill into per-lender sub-views.
Customer 360 profile
Deep profile pages with summary, application info, partakers, credit reference, mortgage, DSR, merged loan history, approval info, repay history, and repay condition modules.
Cross-company exposure
Existing Company Exposure section shows per-company active and total loan counts. Loan history merges sibling records so staff see the borrower's full footprint across the group.
Team and RBAC
Staff levels with module + feature + action permission triples. Admins bypass checks; staff and viewers are constrained by company scope and privilege matrix configuration.
Admin suite
User management, audit log viewer, sync job history, data source inventory, management reports with monthly CSV export, and research cache administration.
Workflows
How staff use the portal day to day.
From search to credit decision context
Credit teams use the portal to assess new and returning borrowers before approval.
- Search by exact HKID to locate the borrower across all connected companies.
- Review merged loan history — active loans, past loans, and per-company status pills.
- Check cross-company exposure counts before extending additional facilities.
- Open application info, partakers, credit reference, and DSR modules for underwriting context.
- Export profile or partaker data to CSV for offline review or committee packs.
From notice to follow-up action
Operations teams connect repayment signals back to the borrower profile for coordinated follow-up.
- Dashboard surfaces consolidated overdue and upcoming notice counts and amounts.
- Overdue feed filters by mode, company, and date range with links to matched profiles.
- Linked Softmedia notices appear on the borrower profile with match confidence scoring.
- Staff add case notes and messages that stay connected to the borrower record.
- Manual sync triggers refresh dashboard, overdue, and admin notice views on demand.
Key screens and routes
The primary surfaces staff work from every day.
The Management Portal is organized around search, dashboard, profile, and admin routes. These are the core pages your team will use for origination and servicing workflows.
- 01/dashboard — combined search, repayment notice summary, company filters, and paginated customer browse scoped to role.
- 02/results — search results grouped by borrower with active/past loan toggles, status pills, and company badges.
- 03/profile/<id> — Customer 360 with merged loan history, exposure panel, AI risk analysis, and linked repayment notices.
- 04/overdue — overdue and upcoming notice feed with company and date filters, linked to matched borrower profiles.
- 05/admin/* — users, audit, sync history, sources, privileges, management reports, and research cache.
- 06/assistant — in-portal AI Copilot with database tools for lookup, risk ranking, overdue notices, and admin-governed edits.